altLINE can factor high-value invoices, but the flexibility allows you to pick and choose what (if any) invoices you want to factor in any given month. The rates are good to reasonable, with minimal nickel and diming.

Clover Station’s plug-and-play design is attractive to merchants who want to get up and running fast with little hassle and a pretty, yet powerful hardware setup. The proprietary, Android-based Clover Station is intuitive and minimalistic in its design, similar to Apple products. But there are drawbacks.

If you’re already a fan of QuickBooks Desktop, it doesn’t hurt to give QuickBooks Desktop Payroll a shot. However, if you already love the accounting software you’re using, are on a tighter budget, or would feel overwhelmed by numerous features, QuickBooks Desktop Payroll may not be the right software for your business.

VizyPay is a merchant account provider that offers credit/debit card processing, point of sale systems, a virtual terminal, and working capital loans. The company offers its services on a month-to-month basis with no long-term contracts and has an excellent public reputation.

Overall, we believe that Seamless Chex offers a great service at a fair price. While we can’t tell you whether it will be a good fit for your particular business, the company’s extensive pricing disclosures make it fairly easy for you to estimate how much it will cost you, and how that cost compares against your other alternatives. Seamless Chex earns a very respectable score of 4.5 out of 5 stars, and our strongest endorsement.

Justworks is a Professional Employer Organization (PEO). A PEO is a human resource company hired to take over control of some of your business’s functions. It can be a great alternative to growing businesses that need to tackle administrative services but prefers to outsource those responsibilities. If you’re looking for a PEO, Justworks should be in contention.

CoverWallet offers more than 30 types of insurance including general liability, workers compensation, business owner policy, commercial property and many more.

In general, Payroll4Free is a good option for businesses with very basic payroll processing needs for paying 10 or fewer employees. Businesses that fit this profile can save big on payroll processing costs by using Payroll4Free’s free plan.

Zenefits, a cloud-based HR system for small business owners, wants to bring the zen into benefits. Zenefits. Get it? And with its intuitive interface, employee-friendly mobile app, and focus on simple compliance, Zenefits is a solid contender in the world of online payroll systems.

Shopify’s Tap & Chip Card Reader is a handy mobile credit card reader that works seamlessly with the Shopify POS app and which accepts cutting-edge forms of payment for a reasonable price. It has the advantage of being able to accept contactless payments, and it connects wirelessly to your tablet or smartphone.